{"uin":"IRDAN115RP0019V01202122","name":"Consumables Cover - Bundled Two Wheeler Policy - IRDAN115RP0019V01202122/A0013V01202324","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122","insurer":{"slug":"icici-lombard-general-insurance","name":"ICICI LOMBARD General Insurance Company Limited","url":"https://indiainsurances.com/insurer/icici-lombard-general-insurance"},"line":"general","category":"motor-addon","category_name":"Motor add-ons","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Consumables Cover is an add-on to the Bundled Two Wheeler Policy and reimburses consumable items used in repairs after accidental damage covered under the policy. The underlying bundled two-wheeler policy has one year own-damage cover, five years act-liability cover, and optional add-ons such as zero depreciation, roadside assistance, engine protect, key protect and war risk cover.","analysis":{"state":"machine","analysed_at":"2026-10-20 06:40:51.400856+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The provided wording names add-on covers but does not state named plans or variants for Consumables Cover.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"For the base bundled two-wheeler policy, Own Damage applies for one year from the risk start date, Act Liability for five years from the risk start date, and Personal Accident for one year or Long Term as stated in the schedule. Consumables Cover runs concurrently with the Own Damage section of the policy.","display":"Own Damage 1 year; Act Liability 5 years; PA 1 year/Long Term; Consumables add-on concurrent with Own Damage","note":null,"quote":"a. Section I (Own Damage) for one year from the risk startdate ... b. Section II (Act Liability) for five years from the risk start date ... c. Section III ( Personal Accident) for one year /Long Term ... (as stated in the Schedule) from the risk start date ... Cancellation: The Add-on cover will run concurrently with the Own Damage section of the Policy.","sources":[{"clause":null,"heading":"Applicability of coverage","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-applicability-of-coverage"},{"clause":"14","heading":"Consumables Cover","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-14"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice must be given in writing to the Company immediately upon occurrence of accidental loss or damage and in the event of any claim. Theft or other criminal act also requires immediate notice to the police.","display":"Immediately upon accidental loss or damage; immediate police notice for theft or criminal act","note":"The claim procedure also provides multiple intimation channels such as toll-free number, website, email, app, WhatsApp and network garages.","quote":"Notice shall be given in writing to the Company immediately upon the occurrence of any accidental or loss or damage and in the event of any claim ... In case of theft or other criminal act which may be the subject of a claim under this Policy the insured shall give immediate notice to the police","sources":[{"clause":null,"heading":"CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-conditions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["all the claim related documents along with claim form","a detailed estimate of the cost of repairs","FIR only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft, malicious damage, key loss, or a major accident"],"display":"Claim form and claim documents; repair estimate; FIR for specified cases","note":"The wording points to an online list for required documents for each claim type.","quote":"The customer shall submit all the claim related documents along with claim form at the time of claim intimation. ... b) the Company is furnished forthwith with a detailed estimate of the cost of repairs; ... File an FIR: Only in case of third-party property damage/bodily injury, personal accident of ownerdriver or co-passenger, theft, malicious damage, key loss, or a major accident.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-chapter-6-claim-procedure"},{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The assessment sheet or survey report will be furnished within 15 days of assessment or survey. The claim will be decided within 7 days of receipt of the survey report or assessment sheet.","display":"Survey/assessment report within 15 days; claim decided within 7 days of receipt of report/sheet","note":null,"quote":"Assessment sheet /Survey report will be furnished within 15 days of assessment/ survey. ... Claim will be decided within 7 days of receipt of the survey report/ Assessment Sheet, as applicable.","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-chapter-6-claim-procedure"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the . Limitations as to Use.","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause","Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","Consumables pertaining to any part/ sub part/ accessories, in respect of which the claim is not admissible under the Own damage section of the Policy","Routine Repairs, Service incidents and Maintenance bills against Consumable items"],"display":"Outside geographical area; contractual liability; misuse; invalid driver; wear and tear/breakdown; intoxication; nuclear; war; inadmissible consumables; routine service/maintenance consumables","note":"This includes base policy exclusions and key Consumables Cover special exclusions.","quote":"Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the . Limitations as to Use. ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause. ... Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages. ... Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... Consumables pertaining to any part/ sub part/ accessories, in respect of which the claim is not admissible under the Own damage section of the Policy. ... Routine Repairs, Service incidents and Maintenance bills against Consumable items.","sources":[{"clause":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-i"},{"clause":"3(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-ii"},{"clause":"3(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iii-a"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iii-b"},{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-1"},{"clause":"3(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-v"},{"clause":"3(VI)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-vi"},{"clause":"14","heading":"Consumables Cover","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-14"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured may first contact the respective branch office, call 1800-2666, or use the Grievance Redressal section on the insurer’s website. If the resolution is not satisfactory, the insured may approach IRDAI through Bima Bharosa, the IRDAI Grievance Call Centre, or the Insurance Ombudsman.","display":"First contact branch office, 1800-2666, or website Grievance Redressal; then IRDAI/Bima Bharosa/IGCC or Ombudsman","note":null,"quote":"For resolution of any query or grievance, Insured may contact the respective branch office of the Company or may call toll free no.1800-2666 or may approach us at the sub section “Grievance Redressal” on our website www.icicilombard.com (Customer Support section). However, if the resolution provided by us is not satisfactory you may approach Insurance Regulatory and Development Authority of India (IRDAI) through the Bima Bharosa Portal","sources":[{"clause":null,"heading":"CHAPTER 9 - Grievance Clause","page":29,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-chapter-9-grievance-clause"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["By fire explosion self ignition or lightning","By burglary housebreaking or theft","By riot and strike","By earthquake (fire and shock damage)","By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost","By accidental external means","By malicious act","By terrorist activity","Whilst in transit by road rail inland-waterway lift elevator or air","By landslide rockslide"],"display":"Fire/explosion/lightning; burglary/theft; riot/strike; earthquake; flood/storm/cyclone; accidental external means; malicious act; terrorism; transit; landslide/rockslide","note":null,"quote":"By fire explosion self ignition or lightning; II) By burglary housebreaking or theft; III) By riot and strike; IV) By earthquake (fire and shock damage); V) By flood typhoon hurricane storm tempest inundation cyclone hailstorm frost; VI) By accidental external means; VII) By malicious act; VIII) By terrorist activity; IX) Whilst in transit by road rail inland-waterway lift elevator or air; X) By landslide rockslide.","sources":[{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-1"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder can cancel the policy any time by informing the insurer. If the term is up to one year and no claim has been made, the insurer refunds proportional premium for the unexpired policy period; if the term is more than 12 months, premium is refunded for unexpired policy years whose risk coverage has not commenced.","display":"Proportional refund for unexpired period if term up to 1 year and no claim; for term over 12 months, refund for unexpired years not yet incepted","note":"Different rules are stated for total loss, total theft, cash loss and double insurance.","quote":"The policyholder can cancel the policy at any time during the term, by informing the insurer. In case the Policyholder cancels the policy, he/ she is not required to give reasons for cancellation. In such case of cancelation, the insurer will refund proportional premium for unexpired policy period, if the term of the policy is upto one year and there is no claim(s) made during the policy period. In case the term of the policy is more than 12 months, the insurer will refund premium for the unexpired policy period, in respect of policy with the term more than one year and the risk coverage for such policy years has not commenced.","sources":[{"clause":"3(VI)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-vi-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The wording excludes loss outside the geographical area, but the provided clauses do not list the geographical area.","quote":null,"sources":[],"law":[]},{"key":"cover_types","label":"Cover types","section":"Cover","meaning":"Comprehensive, standalone own damage, third-party only.","status":"quote-verified","value":["Motor Own Damage","Motor Third Party","Motor Personal Accident (if opted by you and as mentioned in your policy schedule)"],"display":"Motor Own Damage, Motor Third Party, Motor Personal Accident if opted","note":"The documents describe these interests rather than using the words comprehensive, standalone own-damage or third-party only.","quote":"Interests Insured • Motor Own Damage • Motor Third Party • Motor Personal Accident (if opted by you and as mentioned in your policy schedule)","sources":[{"clause":"Row 1","heading":"Product Name BUNDLED - TWO WHEELER POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649#c-row-1"}],"law":[]},{"key":"third_party","label":"Third-party liability","section":"Cover","meaning":"Compulsory cover for injury, death or property damage to others. Unlimited for death and injury.","status":"quote-verified","value":"The policy indemnifies the insured for legal liability in respect of death or bodily injury to any person and damage to property other than property belonging to or held by the insured. The CIS states Motor Third Party sum insured is as per the MV Act.","display":"Legal liability for death/bodily injury and third-party property damage; sum insured as per MV Act","note":null,"quote":"a) Death of or bodily injury to any person including occupants carried in the insured vehicle ... b) damage to property other than property belonging to the insured or held in trust or in the custody or control of the insured ... Motor Third party – Your Sum Insured is as per the MV Act","sources":[{"clause":"4(a)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-4-a"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-4-b"},{"clause":"Row 1","heading":"Product Name BUNDLED - TWO WHEELER POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649#c-row-1"}],"law":[{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Paras 1 to 4","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch V, I, Para 7","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 146","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 147","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 150","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 157","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 164","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 161","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 166(3)","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 162","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"idv","label":"Insured declared value (IDV)","section":"Cover","meaning":"The vehicle's insured value: maximum paid for theft or total loss.","status":"quote-verified","value":"The Insured Declared Value of the vehicle is deemed the sum insured, fixed at commencement of each policy period based on the manufacturer’s listed selling price, with age-wise depreciation for total loss, constructive total loss and cash loss claims. IDV is treated as market value throughout the policy period without further depreciation for TL/CTL/Cash Loss.","display":"IDV is the sum insured, based on manufacturer listed selling price and age-wise depreciation; market value for TL/CTL/Cash Loss","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price ... IDV shall be treated as the 'Market Value' throughout the policy period without any further depreciation for the purpose of Total Loss (TL) / Constructive Total Loss (CTL)/Cash Loss claims.","sources":[{"clause":null,"heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-sum-insured-insured-s-declared-value-idv"},{"clause":"4(b)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-4-b-2"}],"law":[]},{"key":"depreciation","label":"Depreciation on parts","section":"Limits and co-pay","meaning":"How much of the cost of replaced parts you bear because of age (unless you have zero depreciation).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ncb","label":"No-claim bonus","section":"Cover","meaning":"Discount on own-damage premium for claim-free years (20% to 50%).","status":"quote-verified","value":"No Claim Bonus, where applicable, is 20% after the preceding full claim-free year, 25% after 2 consecutive claim-free years, 35% after 3, 45% after 4 and 50% after 5 consecutive claim-free years. If a claim arises after protected old-tariff higher NCB, NCB reverts to nil at the next renewal.","display":"20% to 50% own-damage premium discount for claim-free years","note":null,"quote":"No claim made or pending during the preceding full year of insurance | 20% ... No claim made or pending during the preceding 2 consecutive years of insurance | 25% ... No claim made or pending during the preceding 3 consecutive years of insurance | 35% ... No claim made or pending during the preceding 4 consecutive years of insurance | 45% ... No claim made or pending during the preceding 5 consecutive years of insurance | 50% ... till a claim arises under the policy, in which case the NCB will revert to ‘il’at the next renewal.","sources":[{"clause":"3(VI)(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-vi-b"},{"clause":"Row 1","heading":"Dual policy with similar cover issued by the company","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-row-1"},{"clause":"Row 2","heading":"Dual policy with different Insurers","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-row-2"},{"clause":"4","heading":"NO CLAIM BONUS","page":5,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-4-2"}],"law":[]},{"key":"compulsory_deductible","label":"Compulsory deductible","section":"Limits and co-pay","meaning":"Fixed amount you pay on every own-damage claim.","status":"quote-verified","value":"The CIS states a compulsory deductible of Rs 100/- applies, with the deductible listed in the policy schedule.","display":"Rs 100/- compulsory deductible","note":"The policy wording itself says the deductible is stated in the schedule.","quote":"Compulsory Deductible: Your compulsory deductible, listed in your policy schedule, depends on your vehicle's engine size or kilowatt (KW) rating: • As mentioned on policy schedule Compulsory Deductible of Rs 100/- would be applied.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649#c-customer-information-sheet-2"}],"law":[]},{"key":"deductible","label":"Voluntary deductible","section":"Limits and co-pay","meaning":"An extra amount per claim you choose to bear for a lower premium.","status":"quote-verified","value":"Voluntary deductible is optional. If chosen, the CIS lists two-wheeler voluntary deductible amounts of ₹ 500/-, ₹ 750/-, ₹ 1000/-, ₹ 1500/- and ₹ 3000/- with own-damage premium discounts.","display":"Optional voluntary deductible: ₹ 500, ₹ 750, ₹ 1000, ₹ 1500 or ₹ 3000","note":"The exact chosen deductible is as shown in the policy schedule.","quote":"Voluntary Deductible: If you’ve chosen a voluntary deductible, the amount is shown in your policy schedule. Please check the table in your policy for the details: VOLUNTARY DEDUCTIBLE DISCOUNT Amount % Two-Wheeler - Own Discount Up Damage Premium to ₹ 500/- 5% ₹ 50/- ₹ 750/- 10% ₹ 75/- ₹ 1000/- 15% ₹ 125/- ₹ 1500/- 20% ₹ 200/- ₹ 3000/- 25% ₹ 250/-","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649#c-customer-information-sheet-2"}],"law":[]},{"key":"pa_owner_driver","label":"Personal accident cover for owner-driver","section":"Cover","meaning":"Compulsory PA cover for the owner-driver.","status":"quote-verified","value":"The owner-driver personal accident cover pays compensation for death, loss of limbs or sight, and permanent total disablement caused by violent accidental external and visible means connected with the insured vehicle. Total liability for the owner-driver is ₹15 lakhs during one period of insurance, if opted and subject to conditions including registered owner, named insured and effective driving licence.","display":"Owner-driver PA up to ₹15 lakhs if opted, for death/PTD and specified limb/sight losses","note":null,"quote":"the Company undertakes to pay compensation as per the following scale for bodily injury/ death sustained by the Owner-Driver of the vehicle ... The compensation shall be payable under only one of the items (i) to (iv) above in respect of the owner-driver arising out of any one occurrence and the total liability of the insurer shall not in the aggregate exceed the sum of `15 lakhs during any one period of insurance. ... This cover is subject to ... The Owner-Driver is the registered owner of the vehicle insured herein; ... The Owner-Driver is the insured named in this policy. ... The Owner-Driver holds an effective driving license","sources":[{"clause":null,"heading":"SECTION Ill -PERSONAL ACCIDENT COVER FOR","page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-section-ill-personal-accident-cover-for"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iii-b"},{"clause":"3(IV)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iv"}],"law":[{"title":"Enhancement of Capital Sum Insured in Compulsory Personal Accident Cover for Owner-Driver under Motor Insurance Policies","section":"Para 4(i) to (iii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-2018"},{"title":"Compulsory Personal Accident Insurance for Owner-Driver under Motor Insurance","section":"Paras 1 and 2","url":"https://indiainsurances.com/law/irdai-motor-cpa-choice-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 3","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"},{"title":"Cover for Compulsory Personal Accident (CPA) for Owner-Driver under Motor Insurance Policies","section":"Para 4(iv) to (viii)","url":"https://indiainsurances.com/law/irdai-motor-cpa-standalone-2018"}]},{"key":"addons","label":"Add-ons offered","section":"Cover","meaning":"Zero depreciation, engine protect, return to invoice, roadside assistance, consumables...","status":"quote-verified","value":["Garage Cash","NCB Protect","Return to Invoice","Zero Depreciation","Roadside Assistance","Emergency Medical Expenses","Motor Floater","Telematics","Battery Protect Cover","Driving Accessories Cover","Engine Protect Plus","Key Protect","Tyre and Wheel Rim Protect","Consumables Cover","IL Smart Assist","War Risk Cover"],"display":"Garage Cash, NCB Protect, Return to Invoice, Zero Depreciation, Roadside Assistance, Emergency Medical Expenses, Motor Floater, Telematics, Battery Protect, Driving Accessories, Engine Protect Plus, Key Protect, Tyre and Wheel Rim Protect, Consumables, IL Smart Assist, War Risk Cover","note":"Add-ons are available if opted and mentioned in the policy schedule.","quote":"Garage Cash: You will receive a daily allowance ... NCB Protect: Your No Claim Bonus (NCB) eligibility remains protected ... Return to Invoice: Covers the gap between the insured amount ... Zero Depreciation: Covers the full cost of applicable parts without depreciation during repairs. ... Roadside Assistance: 24X7 on-road assistance if your vehicle is immobilised due to breakdown or accident. ... Emergency Medical Expenses: Covers hospitalization expenses for vehicle passengers ... Motor Floater: One Policy for all your vehicles. ... Telematics: Pay as you use - coverage is based on the number of kilometres you choose. ... Battery Protect Cover: Covers the cost of battery repair or replacement due to consequential damages. ... Driving Accessories Cover: Covers the cost of repair & replacement of damaged driving accessories upto Sum Insured. ... Engine Protect Plus: Covers engine repair/replacement costs due to consequential damages. ... Key Protect: Covers the cost of replacing lost or stolen keys, up to opted sum insured. ... Tyre and Wheel Rim Protect: Covers the repair/replacement cost of damaged tires and Wheel Rim. ... Consumables Cover: Covers cost for consumable items e.g. nut/bolt/screw etc. in repairs. ... IL Smart Assist: Comprehensive list of services (as specified in your policy schedule) to support at the every distress situation of the customer. ... War Risk Cover: Covers accidental loss damage arising from war","sources":[{"clause":"Row 1","heading":"Product Name BUNDLED - TWO WHEELER POLICY","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649#c-row-1"}],"law":[]},{"key":"cashless_garages","label":"Cashless garages","section":"Claims","meaning":"Whether repairs can be cashless at network garages.","status":"quote-verified","value":"Cashless repair is available through network garages; the insured is told to report the vehicle to the nearest network garage and, for cashless claims, the approved amount is paid directly to the garage.","display":"Yes, cashless at network garages; approved amount paid directly to garage","note":null,"quote":"Garage Visit: Report your vehicle to the nearest network garage, find list here https://www.icicilombard.com/cashless-garages ... For Cashless Claim - Approved amount will be paid directly to the garage. Any balance amount will be paid by you (the insured).","sources":[{"clause":null,"heading":"CHAPTER 6 - Claim Procedure","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-chapter-6-claim-procedure"}],"law":[]},{"key":"motor_exclusions","label":"Main motor exclusions","section":"Exclusions","meaning":"No valid licence, drunk driving, use outside the permitted purpose, wear and tear...","status":"quote-verified","value":["Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages","Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time","Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs","Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area","Any claim arising out of any contractual liability","Being used otherwise than in accordance with the . Limitations as to Use.","Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause","Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material","war, invasion, the act of foreign enemies, hostilities or warlike operations","Hire or Reward, Carriage of goods (other than samples of personal luggage), Organised racing, Pace Making, Reliability trails or Speed testing, any purpose in Connection with Motor Trade"],"display":"Wear and tear/breakdown; tyre/tube damage unless vehicle also damaged; drunk/drug driving; outside geographical area; contractual liability; use outside limitations; wrong/invalid driver; nuclear; war; hire/reward, goods carriage, racing/speed testing and motor trade use","note":null,"quote":"Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages. ... Damage to Tyres and Tubes unless the vehicle insured is damaged at the same time ... Any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs. ... Any accidental loss or damage and/or liability caused sustained or incurred outside the geographical area; ... Any claim arising out of any contractual liability; ... Being used otherwise than in accordance with the . Limitations as to Use. ... Being driven by or is for the purpose of being driven by him/her in the charge of any person other than a Driver as stated in the Driver’ Clause. ... Any accidental loss or damage or liability directly or indirectly caused by or contributed to by or arising from nuclear weapons material. ... war, invasion, the act of foreign enemies, hostilities or warlike operations ... The Policy covers use of the vehicle for any purpose other than: Hire or Reward, Carriage of goods (other than samples of personal luggage), Organised racing, Pace Making, Reliability trails or Speed testing, any purpose in Connection with Motor Trade.","sources":[{"clause":"1","heading":"The Company will indemnify the insured against loss or","page":1,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-1"},{"clause":"3(I)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-i"},{"clause":"3(II)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-ii"},{"clause":"3(III)(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iii-a"},{"clause":"3(III)(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-iii-b"},{"clause":"3(V)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-v"},{"clause":"3(VI)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-3-vi"},{"clause":null,"heading":"CHAPTER 4 - Limitations as to Use","page":9,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-chapter-4-limitations-as-to-use"}],"law":[]},{"key":"sum_insured_basis","label":"Sum insured basis","section":"Cover","meaning":"How the cover amount is set: market value, reinstatement value, agreed value, IDV.","status":"quote-verified","value":"The sum insured basis is the Insured Declared Value of the vehicle, fixed at the commencement of each policy period and based on the manufacturer’s listed selling price with depreciation.","display":"IDV basis","note":null,"quote":"The Insured's Declared Value (IDV) of the vehicle will be deemed to be the 'SUM INSURED' for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle. The IDV of the vehicle (and accessories, if any, fitted to the vehicle) is to be fixed on the basis of the manufacturer's listed selling price","sources":[{"clause":null,"heading":"SUM INSURED -INSURED'S DECLARED VALUE (IDV)","page":2,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-sum-insured-insured-s-declared-value-idv"}],"law":[]},{"key":"addon_cover","label":"What the add-on pays","section":"Cover","meaning":"What this add-on adds to the base motor policy.","status":"quote-verified","value":"Consumables Cover reimburses the cost of consumable items used in repair or replacement necessitated by accidental damages arising out of a peril covered under the policy. Consumable items include nut and bolt, screw, washers, grease, lubricants clip, bearings, engine oil, oil filter, fuel filter, break oil, coolant, ball and raise kit and the like.","display":"Reimburses consumables used in covered accidental repair/replacement","note":null,"quote":"the Company hereby undertakes to reimburse the cost of consumable items used in the process of repair /replacement necessitated as a result of accidental damages, arising out of any peril as covered under the policy. Such Consumable Items will include nut and bolt, screw, washers, grease, lubricants clip, bearings, engine oil, oil filter, fuel filter, break oil, coolant, ball and raise kit and the like.","sources":[{"clause":"14","heading":"Consumables Cover","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-14"}],"law":[]},{"key":"addon_limits","label":"Limits on the add-on","section":"Limits and co-pay","meaning":"Number of claims per year, vehicle age limits and other caps.","status":"quote-verified","value":"Consumables Cover requires the vehicle to be legally permitted to ply on public road, and a claim under the base policy or this add-on brings NCB down to zero. The add-on runs concurrently with the Own Damage section, cancellation refund follows the base policy, and the company excludes consumables for inadmissible or unapproved parts, routine repairs/service/maintenance bills, and losses covered by other insurance, warranty or recall.","display":"Must be legally permitted on public road; NCB goes to zero; runs with Own Damage; excludes inadmissible/unapproved parts, routine service/maintenance and other insurance/warranty/recall losses","note":"The provided wording does not state a separate claim-count limit or vehicle-age cap for Consumables Cover.","quote":"IMPORTANT CONDITIONS:\n1. The vehicle should be legally permitted to ply on public road.\n2. Claim lodged under the base policy or under this Add-on, will bring the NCB under the policy, down to zero.\n3. Mid-term endorsement i.e. Inclusion/Exclusion shall be allowed.\n4. Cancellation: The Add-on cover will run concurrently with the Own Damage section of the Policy. Refund in case of such cancellation shall follow the same procedure as the base policy. ... Special Exclusions:\nCompany will not be liable for any claim on account of –\n1. Consumables pertaining to any part/ sub part/ accessories, in respect of which the claim is not admissible under the Own damage section of the Policy.\n2. Consumables pertaining to any part/ sub-part/ accessories not approved for repair by the Company under the Policy.\n3. Routine Repairs, Service incidents and Maintenance bills against Consumable items.\n4. Losses covered under any other Insurance of any nature or manufacturer's warranty or recall campaign at the time of happening of any loss or damage.","sources":[{"clause":"14","heading":"Consumables Cover","page":22,"url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20947#c-14"}],"law":[]}],"documents":[{"kind":"wording","label":"Driving Accessories Cover - Bundled Two Wheeler Policy - IRDAN115RP0019V01202122/A0014V01202324","pages":28,"fetched_at":"2026-10-20 02:38:53+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled-two-wheeler-policy8c0007ff45fd68ff8a0df0055fa700fc.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20411"},{"kind":"wording","label":"IL Smart Assist - 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Bundled - Two wheeler Policy - IRDAN115RP0019V01202122/A0109V02202526","pages":6,"fetched_at":"2026-10-20 02:47:47+00","source_url":"https://www.icicilombard.com/docs/default-source/default-document-library/bundled---two-wheeler-policy-cis8c0007ff45fd68ff8a0df0056023488b.pdf","url":"https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122/document/20649"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"ICICI LOMBARD General Insurance official website","url":"https://www.icicilombard.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Consumables Cover - Bundled Two Wheeler Policy - IRDAN115RP0019V01202122/A0013V01202324 (UIN IRDAN115RP0019V01202122), IndiaInsurances, https://indiainsurances.com/policy/icici-lombard-general-insurance/consumables-cover-bundled-two-wheeler-policy-irdan115rp0019v01202122-a0013v01202-irdan115rp0019v01202122"}